DCA history · Gold
Gold DCA since 2017: $100 monthly
Investing $100 every month into Gold since 1 January 2017 (119 buys, $11,900 in total) would be worth $26,210 today (+120.25%).
Backtest 1 January 2017 to 11 November 2026 · USD · no fees · live price. Change the amount, dates or fees →
Dollar-cost averaging
$26,210
+120.25% · +15.36%/yr
- Invested
- $11,900.00
- Buys
- 119
- Average cost
- $1,815.18
Lump sum, day one
Winner$41,335
+247.35%
- Invested
- $11,900.00
- Bought at
- $1,151.00
- Max drawdown
- 26.69%
Perfect timing (hindsight)
$41,335
+247.35%
- Bought on
- 1 Jan 2017
- At a price of
- $1,151.00
- Not a plan you could follow
How it would have felt
Over this period the plan was worth less than the money you’d put in on 5.8% of days, with the longest unbroken stretch lasting 183 days (to 19 Dec 2018). The worst moment was 16 Aug 2018, when it was down 7.5% on what had been invested. It has been in profit continuously since 24 Dec 2018. The average cost per unit was $1,815.18 against a price today of $3,998.00 (+120.25%). The cheapest buy was $1,151.00 on 1 Jan 2017 and the priciest $5,230.50 on 1 Mar 2026.
Year by year
| As of | Invested | Worth | Return |
|---|---|---|---|
| 31 Dec 2017 | $1,200 | $1,248 | +4.02% |
| 31 Dec 2018 | $2,400 | $2,444 | +1.85% |
| 31 Dec 2019 | $3,600 | $4,224 | +17.34% |
| 31 Dec 2020 | $4,800 | $6,573 | +36.93% |
| 31 Dec 2021 | $6,000 | $7,564 | +26.07% |
| 31 Dec 2022 | $7,200 | $8,747 | +21.49% |
| 31 Dec 2023 | $8,400 | $11,195 | +33.27% |
| 31 Dec 2024 | $9,600 | $15,618 | +62.69% |
| 31 Dec 2025 | $10,800 | $27,276 | +152.56% |
| 11 Nov 2026 | $11,900 | $26,210 | +120.25% |
Try a different start
Monthly $100 into Gold, by start year:
Does the start year really matter? Best and worst time to start DCA or DCA vs lump sum, tested on every start month.
Frequently asked questions
- How much would $100 every month in Gold since 2017 be worth today?
- Investing $100 every month into Gold since 1 January 2017 (119 buys, $11,900 in total) would be worth $26,210 today (+120.25%).
- Was DCA better than a lump sum for Gold since 2017?
- Investing the same $11,900 in one go on 1 January 2017 would be worth $41,335 today (+247.35%), so putting it all in on day one came out ahead over this particular period. Which wins depends heavily on the start date.
- How long was Gold DCA underwater since 2017?
- The plan was worth less than the money invested on 5.8% of days, with the longest stretch lasting 183 days (ending 19 Dec 2018).